包商银行个人理财业务发展现状及对策研究

发布时间：2018-02-24 15:42

本文关键词： 包商银行个人理财产品同质化金融创新　出处：《内蒙古大学》2013年硕士论文　论文类型：学位论文

【摘要】：如何使居民的资产得到保值和增值,跑赢CPI,成为各家商业银行亟待解决的重要课题。在经历了股市萧条,金价下跌,楼市受政策调控等投资渠道受限的打击下,人们对投资理财的需求方面也日趋理性化。随着我国金融管制全面放开,我国本土商业银行面临着来自外资银行的强有力竞争。同时由于我国利率市场化改革的稳步实行,各家商业银行在传统业务上的发展空间受到严重限制,存贷利差逐步缩小,利润率持续降低,再加上经济增速下滑,导致不良资产增加,使商业银行在传统业务方面的收益率持续降低、不良资产率居高不下。在这种情况下,个人理财业务以其业务范围广、风险小、迎合大众投资心理、收益稳定、能解决资金来源问题等特点,成为商业银行竞相发展的重点业务。在这种危机与生机、机遇与挑战并存的现实环境中,本文将包商银行个人理财业务存在的问题及其根源所在进行深入剖析,并结合国内外知名学者的先进管理理论根据当前商业银行的实际情况提出具有现实意义的可操作性的建议,对进一步完善包商银行财富管理业务的管理规范,树立品牌形象,提高商业银行的核心竞争力,促使个人理财业务合规化、持续化、高速化发展具有现实意义。
[Abstract]:How to keep and increase the value of residents' assets and win over CPI has become an important issue to be solved by commercial banks. After the stock market depression, the fall of gold prices, and the restrictions on investment channels such as policy control, the real estate market has been hit by restrictions on investment channels. The demand for investment and financial management is becoming more and more rational. With the overall liberalization of financial regulation in China, local commercial banks in China are facing strong competition from foreign banks. At the same time, with the steady implementation of market-oriented interest rate reform in China, The development space of commercial banks in the traditional business has been severely restricted, the spread between deposit and loan interest rates has gradually narrowed, the profit margin has continued to decline, and the economic growth rate has declined, which has led to an increase in non-performing assets. Commercial banks in the traditional business returns continue to reduce, the rate of non-performing assets remains high. Under such circumstances, personal finance business is characterized by its wide scope of business, small risk, catering to the public's investment psychology, stable income, and the ability to solve the problem of the source of funds, etc. In this kind of crisis and vitality, opportunity and challenge co-exist, this paper deeply analyzes the problems and root causes of the personal finance business of the contractor bank. Combined with the advanced management theory of well-known scholars at home and abroad, according to the actual situation of commercial banks, the paper puts forward practical and operable suggestions to further improve the management norms of the wealth management business of the contractors' banks, and to establish the brand image. It is of practical significance to improve the core competitiveness of commercial banks and promote the compliance, sustainability and high-speed development of personal finance business.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F832.2

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